Credit union
Fox Communities Credit Union
Appleton, Wisconsin, Outagamie County, WI
$3.4B in total assets and 142,543 members, the 148th largest of 4,298 US credit unions and 9th of 98 headquartered in Wisconsin.
- NCUA charter
- 66731
- Charter
- State chartered (WI)
- Chartered
- 1937
- NCUA insured since
- 1985
- Website
- http://www.foxcu.org
At a glance
Compared with 14 federally insured credit unions in Wisconsin with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This credit union | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $3.4B | 43% | $4.1B | |
| Loans | $2.7B | 43% | $3.1B | |
| Deposits (shares) | $2.7B | 43% | $3.4B | |
| Members | 142,543 | 36% | 176,388 | |
| Return on assets | 1.34% | 71% | 1.19% | |
| Net interest income to assets | 3.12% | 36% | 3.48% | |
| Efficiency ratio | 65.0% | 43% | 65.8% | |
| Net worth ratio | 10.92% | 50% | 11.51% | |
| Loans to shares | 102% | 86% | 94% | |
| Cost of deposits | 2.00% | 43% | 2.14% |
Ratios are annualized from year-to-date figures. Return on assets uses average assets, as NCUA does. Cost of deposits includes dividends on shares.
Growth
Total assets grew 10.9% a year over 10 years and 7.3% a year over the last 5, including 4 mergers in the last 10 years. Membership grew 4.7% a year over 5 years, to 142,543.
Dashed lines mark larger mergers, listed below.
Mergers and acquisitions
| Closed | Absorbed | Assets at last filing |
|---|---|---|
| Apr 2022 | Schneider Community Credit Union Credit union, Green Bay, WI | $26M |
| May 2020 | Northern Paper Mills Credit Union Credit union, Green Bay, WI | $22M |
| Jul 2017 | Harbor Credit Union Credit union, Green Bay, WI | $111M |
| Jan 2017 | Horizon Community Credit Union Credit union, Green Bay, WI | $42M |
| Jun 2015 | Riverwood-Maritime Credit Union Credit union, Two Rivers, WI | $34M |
| Dec 2013 | G B C I Credit Union Credit union, Green Bay, WI | $2M |
| Aug 2012 | Sunrise Credit Union Credit union, Green Bay, WI | $19M |
Where they operate
23 branches in 8 counties.
Largest counties by branches
| County | Branches | Share of all branches | Rank |
|---|---|---|---|
| Brown County, WI | 8 | 8.5% | 3 of 27 |
| Outagamie County, WI | 6 | 8.3% | 3 of 27 |
| Manitowoc County, WI | 2 | 6.2% | 4 of 15 |
| Waupaca County, WI | 2 | 9.1% | 5 of 8 |
| Winnebago County, WI | 2 | 3.1% | 9 of 30 |
| Calumet County, WI | 1 | 4.5% | 5 of 14 |
| Kewaunee County, WI | 1 | 11.1% | 3 of 3 |
| Waukesha County, WI | 1 | 0.5% | 31 of 48 |
Credit unions do not report deposits by branch, so these are branch counts: this credit union's branches against every bank and credit union branch in the county. Rank is among all banks and credit unions with a branch there.
Branches by year
| Year end | Branches | Change |
|---|---|---|
| 2016 | 19 | |
| 2017 | 19 | 0 |
| 2018 | 23 | +4 |
| 2019 | 23 | 0 |
| 2020 | 24 | +1 |
| 2021 | 24 | 0 |
| 2022 | 23 | −1 |
| 2023 | 22 | −1 |
| 2024 | 22 | 0 |
| 2025 | 23 | +1 |
| Jun 2026 | 23 | 0 |
Member-serving offices as listed in NCUA call reports. Changes include branches gained in mergers.
Earnings and credit
Return on assets
Year to date, annualized, with the peer median.
Credit and capital
| This credit union | Peer median | |
|---|---|---|
| Delinquent loans, 60+ days | 0.29% | 0.65% |
| Net worth ratio | 10.92% | 11.51% |
| Loans to shares | 102% | 94% |
Delinquent loans are two or more months past due. Net worth is NCUA's capital measure for credit unions.
Related
Credit unions of similar size in Wisconsin
Most branches in Brown County, WI
Figures as of June 30, 2026 from the credit union's NCUA call report (Form 5300), NCUA's credit union locator and FFIEC merger records.